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141. 发明申请

WO2008103875A1 MOBILE COMMERCE SYSTEMS AND METHODS 审中-公开
标题翻译：移动商业系统和方法
公开(公告)号：WO2008103875A1
公开(公告)日：2008-08-28
申请号：PCT/US2008/054664
申请日：2008-02-22
申请人： FIRST DATA CORPORATION , ARTHUR, Steven, E. , TOOMER, Christopher, L. , OWEN, Sarah , VANDEBURG, Theodore
发明人： ARTHUR, Steven, E. , TOOMER, Christopher, L. , OWEN, Sarah , VANDEBURG, Theodore
IPC分类号： H04L12/56
CPC分类号： G06Q10/00 , G06Q20/105 , G06Q20/12 , G06Q20/20 , G06Q20/32 , G06Q20/322 , G06Q20/3278 , G06Q20/363 , H04L63/10 , H04W12/08
摘要： Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices in various types of financial transactions. According to one embodiment, a method of providing a plurality of mobile commerce functions can comprise receiving a communication related to a function of a mobile wallet application of a mobile device. One or more of a plurality of acquirer systems for handling of the communication can be identified based on the function of the mobile wallet application to which the communication relates. The communication can be routed to the identified one or more acquirer systems for handling of the communication. In some cases, a reply to the communication can be received from at least one of the identified one or more acquirer systems and the reply can be sent to a recipient.
摘要翻译：公开了用于在各种类型的金融交易中使用移动电子设备的方法，系统和机器可读介质。根据一个实施例，提供多个移动商务功能的方法可以包括接收与移动设备的移动钱包应用的功能相关的通信。可以基于通信涉及的移动钱包应用的功能来识别用于处理通信的多个获取系统中的一个或多个。通信可以被路由到所识别的一个或多个获取系统以处理通信。在一些情况下，可以从所识别的一个或多个获取系统中的至少一个接收对通信的回复，并且可以将该回复发送给接收者。

142. 发明申请

WO2008100861A2 AUTOMATED TELLER MACHINE WITH FRAUD DETECTION SYSTEM 审中-公开
标题翻译：自动检测机与自动检测系统
公开(公告)号：WO2008100861A2
公开(公告)日：2008-08-21
申请号：PCT/US2008/053598
申请日：2008-02-11
申请人： FIRST DATA CORPORATION , GEE, Steven, Samuel, Jr. , MARTIN, Robert, A., Jr.
发明人： GEE, Steven, Samuel, Jr. , MARTIN, Robert, A., Jr.
IPC分类号： G06Q40/00
CPC分类号： G07F19/20 , G06Q20/1085 , G06Q40/02 , G07F19/203
摘要： One embodiment involves a method for detecting fraud occurring at an Automatic Teller Machine ("ATM"). The ATM may include at least one cassette holding a denomination of paper currency to dispense. In one step, an ATM network host computer system receives a communications signal from the ATM. The signal comprises a transaction request to withdraw funds from the ATM by a user of the ATM. The communications signal also includes a transaction denomination value for the cassette holding the paper currency to dispense. The ATM network host computer system evaluates whether the transaction denomination value is different from an expected denomination value for the cassette. The transaction request is flagged if the transaction denomination value is different from the expected denomination value.
摘要翻译：一个实施例涉及一种用于检测自动柜员机（“ATM”）发生的欺诈的方法。 ATM可以包括至少一个带有纸币面值的盒子。一步，ATM网络主机系统从ATM接收通信信号。信号包括由ATM的用户从ATM提取资金的交易请求。通信信号还包括用于分配持有纸币的纸币的交易面额值。 ATM网络主机系统评估交易金额的价值是否不同于磁带盒的预期面额值。如果交易面额值与预期面额值不同，则交易请求被标记。

143. 发明申请

WO2008091885A2 AUTHENTICATION SYSTEM FOR FINANCIAL TRANSACTIONS 审中-公开
标题翻译：财务交易认证制度
公开(公告)号：WO2008091885A2
公开(公告)日：2008-07-31
申请号：PCT/US2008/051693
申请日：2008-01-22
申请人： FIRST DATA CORPORATION , LOOMIS, Nancy, B.
发明人： LOOMIS, Nancy, B.
IPC分类号： H04L9/32
CPC分类号： G06Q20/24 , G06Q20/12 , G06Q20/383 , G06Q20/40 , G06Q20/401 , G06Q20/4014 , H04L63/08
摘要： In one embodiment, a computerized method for authenticating a financial account when making a purchase utilizes a merchant computer system which receives a purchase request from an account holder. The merchant computer system prepares transaction data that comprises account holder account data and authentication information. The transaction data is transmitted to a financial institution of the account holder. Subsequently, the merchant computer system receives the authentication information that was obtained by the account holder from the financial institution. The authentication information from the account holder is analyzed and future transactions are authenticated if the authentication information is correct.
摘要翻译：在一个实施例中，用于在进行购买时认证金融账户的计算机化方法利用从账户持有者接收购买请求的商家计算机系统。商家计算机系统准备包括帐户持有者账户数据和认证信息的交易数据。交易数据传送给账户持有人的金融机构。随后，商业计算机系统从金融机构接收由账户持有人获得的认证信息。如果验证信息正确，则分析来自帐户持有者的认证信息，并且将来的事务被认证。

144. 发明申请

WO2008058012A2 POINT OF SALE DEVICE CONFIGURATION SYSTEMS AND METHODS 审中-公开
标题翻译：销售点设备配置系统和方法
公开(公告)号：WO2008058012A2
公开(公告)日：2008-05-15
申请号：PCT/US2007/083494
申请日：2007-11-02
申请人： FIRST DATA CORPORATION , MCCUE, Malcolm
发明人： MCCUE, Malcolm
IPC分类号： G06F15/177
CPC分类号： G07F19/206 , G06Q10/10 , G07G1/14
摘要： A system for configuring a point-of-sale (POS) device includes a server computer programmed to interactively collect POS device configuration information from a remotely-located user computer and cause the POS device configuration information to be stored as a POS device configuration file. The server computer is programmed to interactively collect the POS device configuration information from the user computer by rendering one or more display screens on the user computer, each of the one or more display screen being configured to collect at least a portion of the POS device configuration information. The system also includes a storage medium configured to store the POS device configuration file and an interface to the POS device. The interface is configured to transmit the POS device configuration file from the storage medium to the remotely-located POS device to thereby configure the POS device.
摘要翻译：用于配置销售点（POS）设备的系统包括被编程为从位于远程的用户计算机交互地收集POS设备配置信息并使POS设备配置信息被存储为POS设备配置文件的服务器计算机。服务器计算机被编程为通过在用户计算机上渲染一个或多个显示屏幕来从用户计算机交互地收集POS设备配置信息，所述一个或多个显示屏幕中的每一个被配置为收集POS设备配置的至少一部分信息。该系统还包括存储介质，用于存储POS设备配置文件和与POS设备的接口。该接口用于将POS设备配置文件从存储介质传送到位于远程的POS设备，从而配置POS设备。

145. 发明申请

WO2008056201A3 ANORDNUNG UND VERFAHREN ZUR DURCHFÜHRUNG ELEKTRONISCHER TRANSAKTIONEN 审中-公开
公开(公告)号：WO2008056201A3
公开(公告)日：2008-05-15
申请号：PCT/IB2006/004210
申请日：2006-10-06
申请人： FIRST DATA CORPORATION , ALBRECHT, Norbert , KUNEMUND, Friedhelm , ZINKE, Gerd
发明人： ALBRECHT, Norbert , KUNEMUND, Friedhelm , ZINKE, Gerd
IPC分类号： G06K5/00
摘要： Bei einer Ausführungsform umfasst eine Anordnung zur Durchführung elektronischer Kartenzahlungstransaktionen erste Kartenlesemittel (10) zum Lesen von Daten von einer Zahlungskarte (12) sowie eine auf die ersten Kartenlesemittel ansprechende erste Prozessmaschine, welche dazu eingerichtet ist, in Antwort auf das Lesen von Kartendaten durch die ersten Kartenlesemittel die Absendung einer elektronischen Autorisierungsanforderung an ein entferntes Transaktionsautorisierungssystem (14, 16) zu bewirken. Außerdem umfasst die Anordnung Speichermittel (18) zum Spei¬ chern einer von dem Transaktionsautorisierungssystem in Antwort auf die Autorisie¬ rungsanforderung zurückgesendeten elektronischen Autorisierungsantwort. Von den ersten Kartenlesemitteln gesonderte zweite Kartenlesemittel (20-24) dienen zum zweitmaligen Lesen von Daten von der Zahlungskarte (12), wobei eine auf die zwei¬ ten Kartenlesemittel ansprechende zweite Prozessmaschine dazu eingerichtet ist, in Antwort auf das zweitmalige Lesen von Kartendaten durch die zweiten Kartenlesemit¬ tel die in den Speichermitteln gespeicherte Autorisierungsantwort abzufragen.

146. 发明申请

WO2008042503A2 PIN-LESS ATM PROCESSING SYSTEM 审中-公开
标题翻译：免PIN自动柜员机处理系统
公开(公告)号：WO2008042503A2
公开(公告)日：2008-04-10
申请号：PCT/US2007/075389
申请日：2007-08-07
申请人： FIRST DATA CORPORATION , RAE, Peter , LOOMIS, Nancy
发明人： RAE, Peter , LOOMIS, Nancy
IPC分类号： G06Q40/00
CPC分类号： G06Q20/00 , G06Q20/1085 , G06Q30/0601 , G06Q40/00 , G06Q40/12
摘要： A system and method are provided for processing transactions across an ATM network without requiring the use of a PIN or a signature. The transactions can be aggregated to allow multiple purchases to be processed in a single transaction.
摘要翻译：提供了一种系统和方法，用于处理ATM网络上的交易，而不需要使用PIN或签名。这些交易可以进行汇总，以便在一笔交易中处理多笔交易。

147. 发明申请

WO2008027992A2 SYSTEMS AND METHODS FOR PERFORMING A FINANCIAL TRUSTWORTHINESS ASSESSMENT 审中-公开
标题翻译：执行财务信用评估的系统和方法
公开(公告)号：WO2008027992A2
公开(公告)日：2008-03-06
申请号：PCT/US2007/077152
申请日：2007-08-29
申请人： FIRST DATA CORPORATION , MICHELASSI, Leslia, Rae , TIDWELL, Lisa, C. , BARRON, Tamila , DRAGT, Bruce
发明人： MICHELASSI, Leslia, Rae , TIDWELL, Lisa, C. , BARRON, Tamila , DRAGT, Bruce
IPC分类号： G06Q40/00
CPC分类号： G06Q20/403 , G06Q30/06 , G06Q40/025
摘要： Systems and methods are described in connection with a financial trustworthiness assessment service (100) that provides an assessment of an individual's financial trustworthiness that is not necessarily based on credit bureau information. The financial trustworthiness assessment is based, at least in part, on transaction-level financial information associated with the individual (130), as well as on other data associated with the individual that may be financially-based or otherwise indicative, alone or in conjunction with other data, of financial trustworthiness. For example, the assessment may be based at least in part on information from one or more repositories of information, including, but not limited to a check authorization database (125), a demand deposit account database (140), a consumer credit rating database (150), public data (such as bankruptcy and marriage records) (165), department of motor vehicle records, and other third party data sources (160).
摘要翻译：系统和方法是与金融可信度评估服务（100）一起描述的，该服务提供对个人不具有信用局信息的财务可信度的评估。金融可信度评估至少部分基于与个人（130）相关的交易级财务信息，以及与个人有关的其他可能以财务为基础或以其他方式指示的数据，单独或联合与其他数据，财务可信赖性。例如，评估可以至少部分地基于来自一个或多个信息库的信息，包括但不限于检查授权数据库（125），需求存款帐户数据库（140），消费者信用评级数据库（150），公共资料（如破产和婚姻记录）（165），汽车记录部门等第三方数据来源（160）。

148. 发明申请

WO2008014279A2 MOBILE PAYMENT DEVICE WITH MAGNETIC STRIPE 审中-公开
标题翻译：带有磁条的移动支付设备
公开(公告)号：WO2008014279A2
公开(公告)日：2008-01-31
申请号：PCT/US2007/074253
申请日：2007-07-24
申请人： FIRST DATA CORPORATION , ZEHNACKER, Rich
发明人： ZEHNACKER, Rich
IPC分类号： G06K5/00
CPC分类号： G07F7/025 , G06Q20/32 , G06Q20/3278 , G06Q20/341 , G06Q20/3415 , G06Q20/342 , G07F7/0886 , G07F7/1008
摘要： According to the invention, a mobile payment device is disclosed. The mobile payment device may include a body, an input device, and a substrate having a magnetic stripe. The input device may be configured to receive data from a plurality of data sources. The magnetic stripe may be configured to store data received from at least one of the plurality of data sources. The substrate may be movable coupled with the body, and may be configured to move between a first and a second position. The magnetic stripe may at least partially protrude from the body in the first position, and not protrude from the body in the second position.
摘要翻译：根据本发明，公开了一种移动支付装置。移动支付装置可以包括主体，输入装置和具有磁条的基板。输入设备可以被配置为从多个数据源接收数据。磁条可以被配置为存储从多个数据源中的至少一个数据源接收的数据。衬底可以与主体可移动联接，并且可以被配置为在第一位置和第二位置之间移动。磁条可以在第一位置至少部分地从主体突出，并且在第二位置不会从主体突出。

149. 发明申请

WO2007137081A2 PRINTING APPARATUS 审中-公开
标题翻译：打印设备
公开(公告)号：WO2007137081A2
公开(公告)日：2007-11-29
申请号：PCT/US2007/069061
申请日：2007-05-16
申请人： FIRST DATA CORPORATION , NELSON, Eric , PRICE, James , MCCORMACK, Hugh , ROBINSON, Carl
发明人： NELSON, Eric , PRICE, James , MCCORMACK, Hugh , ROBINSON, Carl
IPC分类号： B41J29/02
CPC分类号： B41J29/13
摘要： A printer with a chassis, a hinge and a paper cover assembly. The chassis may have a printing head and a notch. The hinge may have an axis, and may be coupled with the chassis such that the rotational axis of the hinge is laterally movable. The paper cover assembly may be coupled with the hinge, and may be rotatable about the hinge. The paper cover assembly may have a roller and a handle. The roller may have an axis, and when the paper cover assembly is closed, the axis of the roller may be within the notch. The handle may be configured to move a cam mechanism, and when the paper cover assembly is closed and the mechanism is moved, the mechanism may act against the chassis causing the axis of the hinge to laterally move, thereby causing the axis of the roller to move out of the notch.
摘要翻译：具有底盘，铰链和纸盖组件的打印机。底盘可以具有打印头和凹口。铰链可以具有轴线，并且可以与底盘联接，使得铰链的旋转轴线可横向移动。纸盖组件可以与铰链联接，并且可以围绕铰链旋转。纸盖组件可以具有辊和手柄。辊可以具有轴线，并且当纸盖组件关闭时，辊的轴线可以在凹口内。手柄可以构造成移动凸轮机构，并且当纸盖组件被关闭并且机构移动时，机构可以作用在底盘上，导致铰链的轴线横向移动，从而使辊的轴线摆脱缺口。

150. 发明申请

WO2007106866A3 MONEY TRANSFERS USING DIGITAL CASH 审中-公开
公开(公告)号：WO2007106866A3
公开(公告)日：2007-09-20
申请号：PCT/US2007/063998
申请日：2007-03-14
申请人： FIRST DATA CORPORATION , ALGIENE, Ken , JERONIMUS, Michael
发明人： ALGIENE, Ken , JERONIMUS, Michael
IPC分类号： G06Q99/00
摘要： Methods and systems are described for transferring funds from a sender to a recipient. Source funds are received from a sender. An amount of recipient funds is determined from a value of the source funds. A transfer identifier associated with the recipient funds is generated and provided to the sender. The transfer identifier is received from the recipient, prompting a transfer in control of the recipient funds to the recipient. At least one of the source funds and the recipient funds are in the form of one or more electronic tokens. Each such electronic token has a currency amount and a digital signature identifying a financial institution that backs the electronic token for the currency amount.

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